普华永道-PWC 数字浪潮下的财富管理(英文)-41页
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Sink or swim
Why wealth management can’t afford to miss the digital wave
Contents
4 Key take-outs 6 Introduction 7 About this report 8 Part 1: The wealthy and wealth management: an appetite for expertise
Strategy&
3
Key take-outs
Wealth management is one of the least tech-literate sectors of FS.
High net worth individuals (HNWIs) enthusiastically adopt technology.
Ambitious but troubled by concerns and anxieties, high net worth individuals strongly believe in paying for expert advice to help them reach their financial and non-financial goals 12 Part 2: The wealthy and technology: digital expectations growing The world’s wealthy are rapidly integrating digital technology into their day-to-day lives 16 Part 3: Wealth managers and technology: lagging the digital curve Resistance to digital adoption is creating a sector that’s acutely vulnerable to digital innovation from potential FinTech incomers 24 Part 4: The digital opportunity for wealth management Wealth management is dangerously behind the curve in its adoption of digital technology but there are emerging opportunities that the industry is powerfully positioned to exploit 28 Part 5: Envisaging a digital future for wealth management Realising the possibilities of digital will require wealth management firms to embed technology into their whole culture and value proposition: i. The immediate term: Laying the digital foundations ii. The medium term: Automation with a human value iii. Long-term: The digitally-enabled holistic advisor 36 Conclusion: Making digital personal by making the personal digital The wealth management industry now needs to provide both its current and future clients with a substantially evolved service model or risk losing market share
CEOs of wealth management firms recognise the need to adopt digital, but meet resistance from Relationship Managers (RMs).
Weak affiliation to traditional wealth managers is creating a sector vulnerable to FinTech incomers.
office to how they service clients and market to new prospects.
2
They harness the potential of digital to realise great efficiencies, manage costs and advance their core client proposition by drawing on a much wider range of
available daБайду номын сангаасa.
Ignoring this state of affairs is not an option.
PwC Strategy& believes wealth management firms can ONLY survive if:
1
They accelerate efforts to adopt a comprehensive digital infrastructure that integrates every aspect of their activities and corporate culture, from the back
Why wealth management can’t afford to miss the digital wave
Contents
4 Key take-outs 6 Introduction 7 About this report 8 Part 1: The wealthy and wealth management: an appetite for expertise
Strategy&
3
Key take-outs
Wealth management is one of the least tech-literate sectors of FS.
High net worth individuals (HNWIs) enthusiastically adopt technology.
Ambitious but troubled by concerns and anxieties, high net worth individuals strongly believe in paying for expert advice to help them reach their financial and non-financial goals 12 Part 2: The wealthy and technology: digital expectations growing The world’s wealthy are rapidly integrating digital technology into their day-to-day lives 16 Part 3: Wealth managers and technology: lagging the digital curve Resistance to digital adoption is creating a sector that’s acutely vulnerable to digital innovation from potential FinTech incomers 24 Part 4: The digital opportunity for wealth management Wealth management is dangerously behind the curve in its adoption of digital technology but there are emerging opportunities that the industry is powerfully positioned to exploit 28 Part 5: Envisaging a digital future for wealth management Realising the possibilities of digital will require wealth management firms to embed technology into their whole culture and value proposition: i. The immediate term: Laying the digital foundations ii. The medium term: Automation with a human value iii. Long-term: The digitally-enabled holistic advisor 36 Conclusion: Making digital personal by making the personal digital The wealth management industry now needs to provide both its current and future clients with a substantially evolved service model or risk losing market share
CEOs of wealth management firms recognise the need to adopt digital, but meet resistance from Relationship Managers (RMs).
Weak affiliation to traditional wealth managers is creating a sector vulnerable to FinTech incomers.
office to how they service clients and market to new prospects.
2
They harness the potential of digital to realise great efficiencies, manage costs and advance their core client proposition by drawing on a much wider range of
available daБайду номын сангаасa.
Ignoring this state of affairs is not an option.
PwC Strategy& believes wealth management firms can ONLY survive if:
1
They accelerate efforts to adopt a comprehensive digital infrastructure that integrates every aspect of their activities and corporate culture, from the back